The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,191
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,508
−HK$322/mo
Today · 4.125%
HK$10,830
baseline
▲ 0.50% · 4.625%
HK$11,489
+HK$659/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,660/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,337
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,641
−HK$308/mo
Today · 4.125%
HK$11,949
baseline
▲ 0.50% · 4.625%
HK$12,579
+HK$630/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,898/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,229
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,609
−HK$387/mo
Today · 4.125%
HK$12,996
baseline
▲ 0.50% · 4.625%
HK$13,786
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,992/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,604
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,969
−HK$370/mo
Today · 4.125%
HK$14,339
baseline
▲ 0.50% · 4.625%
HK$15,095
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,678/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,267
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,711
−HK$450/mo
Today · 4.125%
HK$15,161
baseline
▲ 0.50% · 4.625%
HK$16,084
+HK$923/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,322/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,872
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,297
−HK$432/mo
Today · 4.125%
HK$16,729
baseline
▲ 0.50% · 4.625%
HK$17,611
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,458/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,343
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,914
−HK$579/mo
Today · 4.125%
HK$19,493
baseline
▲ 0.50% · 4.625%
HK$20,679
+HK$1,186/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,986/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,406
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,954
−HK$555/mo
Today · 4.125%
HK$21,509
baseline
▲ 0.50% · 4.625%
HK$22,643
+HK$1,134/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,018/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,036 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).